The Credit Report is the Annual report given out by the three major credit report agencies in the United States of America. It is one of the most important documents for any individual in America as it has the personal and financial information about the individual. The credit report is a legal record of individual’s financial position in which the records are maintained by the three major credit reporting agencies in the USA. These agencies include EXPERIAN, EQUIFAX andtransunion. The data in the credit file can be taken from different sources like the local court business records, state or county court records etc. The report will contain the following things.
Basic information about the credit file
The credit report is certified by the US Fair Credit Reporting Act and the data in it is collected by the agencies in accordance with that Act. It includes the following:
Who can get the credit report
To view the credit report, an individual has to apply to the agencies. However, the agencies can also get it for you via the internet too. A fee is charged to view the credit report. Moreover, you may deposit a fee to receive your credit report via the internet. 소액결제 현금화 불법인가요? Besides, the agencies sometimes give free service for their clients. The credit file may include information like your address, social security number, and other personal details as well. The credit file records are kept for a time span of five years and more. Every 3 months, a new report will be issued after some modifications are made in the individual’s credit account. This process can take up to 6 months time. Besides, after visiting a bank, your identity can be checked by the personnel.
or other information
How to get credit report for additional information
The credit report will include the following detailed information.
Public record information
This section will contain the details of the bankruptcy, tax liens and legal judgment details of an individual. You should not worry about the details as this can be removed easily.
The credit report is processed in a complex and detailed manner by the bi-way inter checking and cross checking of data between agencies. The agencies note the discrepancies in the information before making their signals for an association or non- associations with any particular individual.
In this section, the record is regarding the credit accounts of an individual. Here, the statement regarding the credit limit of the credit account, the minimum amount that was owed, the size of the attributable, due, and payment history etc. These details are cross checked by a bank or an agency at the individual’s request regarding the credit score of the customer.
This section also includes the name of the inquirer, the date the inquiry was made, the question asked and the result of the inquiry. If you want to keep your credit information private, then opt for the privacy opting option.
Inquiries for a certain period of time
This section includes all the inquiries made during a particular period for a customer to know about his/her credit worthiness. The entries are based on the customer’s credit score and credit report.